Life Insurance Rates

The SE Agency knows how important it is to plan your family’s financial security. We acknowledge the fact, that there are a variety of life insurance plans to chose from. Sometimes, the cheapest rates do not provide adequate coverage that your family needs. On the other hand, expensive plans can not only be out of your price range, but also can be a poor choice for insurance and investing. We take the time to personally review your needs, and present you with economical and wise choices.

Term Life Insurance

Generally available in 10, 15, 20, or 30 year contracts, term life insurance is an economical way to protect your family and your estate, for a specified period of time.

Optional Rider: We offer term life insurance with return of premiums. These policies are more expensive, but offer full return of premiums at the end of the contract, provided that all premiums have been paid and the covered insured is still alive. We will be happy to discuss if ROP is right for you.

Whole Life Insurance

Whole life insurance is generally expensive. It combines a term policy with an investment component. This type of policy builds cash value, that you can borrow against. The three most common types of whole life insurance are traditional whole life, universal and variable.

Why Do I Need Life insurance?

Basically, to financially protect your family and your estate from outstanding debts, in the event of your death. The primary purpose of insurance is to make you whole again, in the event of a loss. Could you imagine your family being burdened with a mortgage, personal loan, credit card bills, or costs associated with a funeral? Does your family need additional coverage? Contact us for a complimentary review and quotation.